मेरी बचत बैंक में है।

Because बचत is a feminine singular noun in Hindi.

Hindi possessives like मेरा / मेरी / मेरे agree with the thing possessed, not with the speaker.

So:

• मेरा = for masculine singular nouns
• मेरी = for feminine singular nouns
• मेरे = for masculine plural nouns, and in some other grammatical situations

Since बचत is feminine singular, you say मेरी बचत.

No. In this sentence, मेरी does not show the speaker’s gender.

It agrees with बचत, not with the person speaking.

So both a man and a woman can say: मेरी बचत बैंक में है।

बचत means savings or money saved.

It can refer to:

• the money someone has managed to save
• the act or idea of saving money, depending on context

In this sentence, it means saved money / savings.

A useful thing to remember is that Hindi often uses बचत as a singular abstract noun, even though English usually says savings in the plural.

Because in Hindi, बचत is treated as a singular noun.

So Hindi thinks of it more like:

• My saved money is in the bank

That is why the verb is singular:

• है = is

If you used a plural noun like पैसे meaning money / coins / funds, then you would normally use हैं:

• मेरे पैसे बैंक में हैं।

में means in.

So:

• बैंक में = in the bank

It is a very common postposition in Hindi for location.

Examples:

• घर में = in the house
• बैग में = in the bag
• किताब में = in the book

Because Hindi normally follows Subject – Object/Complement – Verb word order.

So this sentence is structured like:

• मेरी बचत = my savings
• बैंक में = in the bank
• है = is

Literally, it is closer to:

• My savings in the bank is

Putting the verb at the end is very normal in Hindi.

Hindi does not have articles like a, an, and the in the same way English does.

So बैंक में can mean:

• in a bank
• in the bank

The exact meaning is understood from context.

In this sentence, English would usually translate it as in the bank.

बैंक is a very common borrowed word from English bank, and it is completely normal in everyday Hindi.

Hindi often uses English loanwords, especially for modern institutions and technology.

You may also hear:

• बैंक अकाउंट
• बैंक बैलेंस
• बैंक में जमा करना

So बैंक is perfectly natural here.

Yes, absolutely.

There is a small difference in feel:

• मेरी बचत बैंक में है।
  = My savings are in the bank.
  This focuses on saved money as a concept or total amount.

• मेरे पैसे बैंक में हैं।
  = My money is in the bank.
  This sounds a bit more general and everyday.

Also notice:

• पैसे is plural in form, so Hindi uses हैं
• बचत is singular, so Hindi uses है

Yes, it is natural and understandable.

It is a good simple sentence. Depending on context, native speakers might also say things like:

• मेरी बचत बैंक में जमा है। = My savings are deposited in the bank.
• मेरे पैसे बैंक में हैं। = My money is in the bank.

Your original sentence is still correct and natural.

A simple pronunciation guide is:

meri bachat baiṅk meṅ hai

Very roughly:

• मेरी = may-ree
• बचत = buh-chut
• बैंक = baink
• में = mayn
• है = hai

A more natural connected pronunciation may sound like: meri bachat baink mein hai

Yes. It is a very useful word.

Common examples:

• बचत करना = to save money
• बचत खाते = savings accounts
• बचत योजना = savings plan
• बचत कम है = the savings are low
• बचत बढ़ रही है = the savings are increasing

So learning बचत will help you understand many everyday finance-related sentences.